This is the structure for the data file to provide deposit data to the FDIC. If data or information are not maintained or do not apply, a null value in the appropriate field should be indicated. The file will be in a tab-or pipe-delimited ASCII format. Each file name will contain the institution's FDIC Certificate Number, an indication that it is a deposit file type and the date of the extract. The files will be encrypted using an FDIC-supplied algorithm. The FDIC will transmit to the covered institution the encryption algorithm over FDICconnect.

The total deposit balances and the number of deposit accounts in each deposit file must be reconciled to the subsidiary system control totals.

The FDIC intends to fully utilize a covered institution's understanding of its customers and the data maintained around deposit accounts. Should additional information be available to the covered institution to help the FDIC more quickly complete its insurance determination process, it may add this information to the end of this data file. Should additional data elements be provided, a complete data dictionary for these elements must be supplied along with a description of how this information could be best used to establish account ownership or insurance category.

The deposit data elements provide information specific to deposit account balances and account data. The sequencing of these elements, their physical data structures and the field data format and field length must be provided to the FDIC along with the data structures identified below.

A header record will also be required at the beginning of this file. This record will contain the number of accounts to be included in this file, the maximum number of characters contained in largest account title field maintained within the deposit file and the maximum number of characters contained in largest address field maintained within the deposit file.

Note:

Each record must contain the account title/name and current account statement mailing address. Fields 17-33 relate to the account name and address information. Some systems provide for separate fields for account title/name, street address, city, state, ZIP, and country, all of which are parsed out. Others systems may simply provide multiple lines for name, street address, city, state, ZIP, with no distinction. Populate fields that best fit the system's data, either fields 17-27 or fields 28-33.

Field name

Field description

Comments

Format

1. DP_Acct_Identifier

Account IdentifierThe primary field used to identify the account. This field may be the Account Number.

The Account Identifier may be composed of more than one physical data element. If multiple fields are required to identify the account, data should be placed in separate fields and the FDIC instructed how these fields are combined to uniquely identify the account.

Character (25).

2. DP_Acct_Identifier—2

Account Identifier—2If necessary, the second element used to identify the account.

Character (25).

3. DP_Acct_Identifier—3

Account Identifier—3If necessary, the third element used to identify the account.

Character (25).

4. DP_Acct_Identifier—4

Account Identifier—4If necessary, the fourth element used to identify the account.

Character (25).

5. DP_Acct_Identifier—5

Account Identifier—5If necessary, the fifth element used to identify the account.

Character (25).

6. DP_Sub_Acct_Identifier

Sub-Account IdentifierIf available, the sub-account identifier for the account.

The Sub-Account Identifier may identify separate deposits tied to this account where there are different processing parameters such as interest rates or maturity dates, but all owners are the same.

Character (25).

7. DP_Bank_No

Bank NumberThe bank number assigned to the deposit account.

Character (15).

8. DP_Tax_ID

Tax IDThe tax identification number maintained on the account.

For consumer accounts, typically, this would be the primary account holder's social security number (“SSN”). For business accounts it would be the federal tax identification number (“TIN”). Hyphens are optional in this field.

A deposit—also called a “domestic deposit”—includes only deposit liabilities payable in the United States, typically those deposits maintained in a domestic office of an insured depository institution, as defined in section 3(l) of the Federal Deposit Insurance Act (12 U.S.C. 1813(l)). A foreign deposit is a deposit liability in a foreign branch payable solely at a foreign branch or branches.

Single: Accounts owned by an individual and those accounts held as Minor Accounts, Estate Accounts, Non-Minor Custodian/Guardian Accounts, Attorney in Fact Accounts and Sole ProprietorshipsJoint Account: Accounts owned by two or more individuals, but does not include the ownership of a Payable on Death Account or Trust Account.Partnership Account: Accounts owned by a PartnershipCorporation: Accounts owned by a Corporation (e.g. Inc., L.L.C., or P.C.).Brokered Deposits: Accounts placed by a deposit broker who acts as an intermediary for the actual owner or sub-broker.IRA Accounts: Accounts for which the owner has the right to direct how the funds are invested including Keoghs and other Self-Directed Retirement Accounts.

Character (2).

Unincorporated Association: An account owned by an association of two or more persons formed for some religious, educational, charitable, social or other non-commercial purpose.

Revocable Trusts: Including PODs and formal revocable trusts (e.g. Living Trusts, Intervivos Trusts or Family Trusts).

Irrevocable Trusts: Accounts held by a trust established by statute or written trust in which the grantor relinquishes all power to revoke the trust.

Government Accounts: Accounts owned by a government entity (e.g. City, State, County or Federal government entities and their sub-divisions).

Employee Benefit Plan: Accounts established by the administrator of an Employee Benefit Plan including defined contribution, defined benefit and employee welfare plans.

Other Accounts: Accounts owned by an entity not described above.

15. DP_Prod_Cat

Product CategoryThe product classification. Possible values are:

Product Category is sometimes referred to as “application type” or “system type”.

Character (3).

• DDA = Non-Interest Bearing Checking accounts.

• NOW = Interest Bearing Checking accounts.

• MMA = Money Market Deposit Accounts.

• SAV = Other savings accounts.

• CDS = Time Deposit accounts and Certificate of Deposit accounts, including any accounts with specified maturity dates that may or may not be renewable.

16. DP_Stat_Code

Status CodeStatus or condition of the account. Possible values are:

Character (1).

• O = Open.

• D = Dormant.

• I = Inactive.

• E = Escheatment.

• A = Abandoned.

• C = Closing.

• R = Restricted/Frozen/Blocked.

17. DP_Acct_Title—1

Account Title Line 1Account styling or titling of the account.

These data will be used to identify the owners and beneficiaries of the account.

Use a two-character state code (official U.S. Postal Service abbreviations).

Character (2).

26. DP_ZIP

ZIPThe ZIP 4 code associated with the mailing address.

If the “ 4” code is not available provide only the 5-digit ZIP code. Hyphens are optional in this field.

Character (10).

27. DP_Country

CountryThe country associated with the mailing address.

Provide the country name or the standard IRS country code.

Character (10).

28. DP_NA_Line—1

Name/Address Line 1Alternate name/address format for the current account statement mailing address of record, first line.

Fields 28-33 are to be used if address data are not parsed to populate Fields 17-27.

Character (100).

29. DP_NA_Line—2

Name/Address Line 2Alternate name/address format, second line.

Character (100).

30. DP_NA_Line—3

Name/Address Line 3Alternate name/address format, third line.

Character (100).

31. DP_NA_Line—4

Name/Address Line 4Alternate name/address format, fourth line.

Character (100).

32. DP_NA_Line—5

Name/Address Line 5Alternate name/address format, fifth line.

Character (100).

33. DP_NA_Line—6

Name/Address Line 6Alternate name/address format, sixth line.

Character (100).

34. DP_Cur_Bal

Current BalanceThe current balance in the account at the end of business on the effective date of this file.

This balance should not be reduced by float or holds. For CDs and time deposits, the balance should reflect the principal balance plus any interest paid and available for withdrawal not already included in the principal (do not include accrued interest). The total of all current balances in this file should reconcile to the total deposit trial balance totals or other summary reconciliation of deposits performed by the institution.

These Product Class codes are used in conjunction with the Deposit Class Types in field 51. This field is to be used in concert with fields 12 and 13 identified above to enable the financial institution to capture more detailed information concerning account types. It is the intent of the FDIC to have the financial institution map its detailed account types to the codes identified in this field. The institution may also use additional codes, but in this event the institution must supply the detailed description and code value for each additional code used. If no additional account product type detail is available then this field should be left blank.

The Federal Deposit Insurance Corporation (the “FDIC”) is issuing a final rule (the “Final Rule”) that revises certain provisions of its securitization safe harbor rule, which relates to the treatment of financial assets transferred in connection with a securitization or participation, in order to clarify the requirements of the securitization safe harbor as to the retention of an economic interest in the credit risk of securitized financial assets in connection with the effectiveness of the credit risk retention regulations adopted under Section 15G of the Securities Exchange Act.

Title 12 published on 2015-01-01

The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 12 CFR Part 360after this date.

2015-11-25; vol. 80 # 227 - Wednesday, November 25, 2015

80 FR 73680 - Treatment of Financial Assets Transferred in Connection With a Securitization or Participation

Comments on the Proposed Rule must be received by January 25, 2016. You may submit comments, identified by RIN number, by any of the following methods: • Agency Web site: http://www.FDIC.gov/regulations/laws/federal. Follow instructions for submitting comments on the agency Web site. • Email: Comments@FDIC.gov. Include RIN 3064-AE38 in the subject line of the message. • Mail: Robert E. Feldman, Executive Secretary, Attention: Comments, Federal Deposit Insurance Corporation, 550 17th Street NW., Washington, DC 20429. • Hand Delivery/Courier: Guard station at the rear of the 550 17th Street Building (located on F Street) on business days between 7:00 a.m. and 5:00 p.m. • Federal eRulemaking Portal: http://www.regulations.gov. Follow the instructions for submitting comments. Instructions: All comments will be posted without change to http://www.fdic.gov/regulations/laws/federal/, including any personal information provided.

12 CFR Part 360

Summary

The FDIC is proposing a rule that would revise a provision of its Securitization Safe Harbor Rule, which relates to the treatment of financial assets transferred in connection with a securitization or participation, in order to clarify a requirement as to loss mitigation by servicers of residential mortgage loans.

2015-11-24; vol. 80 # 226 - Tuesday, November 24, 2015

80 FR 73087 - Treatment of Financial Assets Transferred in Connection With a Securitization or Participation

The Federal Deposit Insurance Corporation (the “FDIC”) is issuing a final rule (the “Final Rule”) that revises certain provisions of its securitization safe harbor rule, which relates to the treatment of financial assets transferred in connection with a securitization or participation, in order to clarify the requirements of the securitization safe harbor as to the retention of an economic interest in the credit risk of securitized financial assets in connection with the effectiveness of the credit risk retention regulations adopted under Section 15G of the Securities Exchange Act.

The FDIC is seeking comment on whether certain insured depository institutions that have a large number of deposit accounts, such as more than two million accounts should be required to undertake actions to ensure that, if one of these banks were to fail, depositors would have access to their FDIC-insured funds in a timely manner (usually within one business day of failure). Specifically, the FDIC is seeking comment on whether these banks should be required to: (1) Enhance their recordkeeping to maintain (and be able to provide the FDIC) substantially more accurate and complete data on each depositor's ownership interest by right and capacity (such as single or joint ownership) for all or a large subset of the bank's deposit accounts; and (2) develop and maintain the capability to calculate the insured and uninsured amounts for each depositor by deposit insurance capacity for all or a substantial subset of deposit accounts at the end of any business day. This ANPR does not contemplate imposing these requirements on community banks.

2015-01-30; vol. 80 # 20 - Friday, January 30, 2015

80 FR 5076 - Notice of Proposed Rulemaking To Revise a Section Relating to the Treatment of Financial Assets Transferred in Connection With a Securitization or Participation

Comments on the Proposed Rule must be received by March 31, 2015. You may submit comments, identified by RIN number, by any of the following methods: • Agency Web site: http://www.FDIC.gov/regulations/laws/federal_. Follow instructions for submitting comments on the agency Web site. • Email: Comments@FDIC.gov. Include RIN 3064-AE32 in the subject line of the message. • Mail: Robert E. Feldman, Executive Secretary, Attention: Comments, Federal Deposit Insurance Corporation, 550 17th Street NW., Washington, DC 20429. • Hand Delivery/Courier: Guard station at the rear of the 550 17th Street Building (located on F Street) on business days between 7:00 a.m. and 5:00 p.m. • Federal eRulemaking Portal: http://www.regulations.gov. Follow the instructions for submitting comments. Instructions: All comments will be posted without change to http://www.fdic.gov/regulations/laws/federal/_, including any personal information provided. Paper copies of public comments may be ordered from the Public Information Center by telephone at (877) 275-3342 or (703) 562-2200.

12 CFR 360

Summary

The FDIC is proposing a rulemaking that would revise certain provisions of its securitization safe harbor rule, which relates to the treatment of financial assets transferred in connection with a securitization or participation, in order to clarify the requirements of the Securitization Safe Harbor as to the retention of an economic interest in the credit risk of securitized financial assets upon and following the effective date of the credit risk retention regulations adopted under Section 15G of the Securities Exchange Act.